re: mortgages additional payments or lump sums?

quote:

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I love these guys who always say to put it into the market

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I don't think anyone did that here, but I'll play anyway.

Yes, it's possible that financial markets will crash in any given year. It's also possible real estate will too.

One thing we do know is that most financial markets over the course of a 30 year mortgage will outperform the return you get by prepaying. Maybe not in a specific year, but over the full 30 it's still a very good bet.